Thank you, Mr. Chair, and thank you to our witnesses for coming out this morning and shedding some insight on this incredible problem.
First, Madam Lawson, you made a comment in the course of your presentation to the effect that essentially—and I don't know the exact words—many consumers who fall victim to identity theft actually could not have done anything. They inadvertently found themselves in that situation; that is, there was nothing they could have done to prevent that.
At the same time, a good part of your recommendations, and others, I should say, point to the need for more consumer information.
There appears to be an essential conflict between those two points, and I wonder if you could comment on that.